Legal

Terms of service

Effective November 14, 2026. These terms are a contract between you and Zeno Services, LLC. Please read sections 13 and 14, which limit our liability, and section 18, which requires most disputes to be resolved by individual arbitration.

1. Who we are and what these terms cover

Zeno Budget is provided by Zeno Services, LLC, a New York limited liability company with its principal place of business at 1040 E 13th St., Brooklyn, NY 11230, United States ("Zeno", "we", "us"). "You" means the person accepting these terms and, where you accept for an organization, that organization, which you represent you are authorized to bind.

These terms govern your use of the zenobudget.com website, the Zeno Budget web application, the Zeno Budget MCP server, and related support and documentation (together, the "service"). Our privacy policy is part of this agreement. By creating an account or using the service, you accept these terms. If you do not accept them, do not use the service.

2. Accounts, eligibility and authority

You must be at least 18 years old and able to form a binding contract. The service is for organizations and professional use, not for personal, family or household purposes. It is offered to organizations in the United States and Canada, and not in the European Economic Area, the United Kingdom or Switzerland.

You are responsible for the accuracy of your account information, for the security of the account you sign in with, and for activity under your account, including activity by anyone you invite and any AI assistant you connect. Tell us promptly at [email protected] if you believe your account has been compromised.

When you connect your organization's QuickBooks company to Zeno Budget, you represent that you are authorized to do so and to allow the processing described in the privacy policy.

3. The service

Zeno Budget is cash flow budgeting for organizations whose books are kept in QuickBooks. It reads accounting data from QuickBooks with read-only access and never writes to QuickBooks; QuickBooks remains your organization's ledger. Zeno Budget holds the plan: forecasts, budgets, budget cycles, change requests, and the record of who approved what.

Zeno Budget does not operate an AI model. If you connect your own AI assistant, what that assistant sends, receives and keeps is governed by its provider's terms, not ours. Approving change requests, locking and unlocking budgets, billing, people and roles, and the QuickBooks connection are not available to AI assistants.

Zeno Budget is in development and is being opened to organizations gradually. We may change, add to or remove features. Section 16 describes how we handle changes that materially reduce what a paid plan does.

Support is by email at [email protected]. We aim to answer within one business day, Monday to Friday, excluding United States federal holidays. That is a target, not a service level agreement: we do not offer uptime commitments or service credits.

4. Not financial advice

Cash flow figures, forecasts, suggested forecasts, budget comparisons and reports are calculated by software from the data you connect and enter, and may be incomplete or wrong, for example when QuickBooks has not yet synced, a forecast is missing, or data in QuickBooks is miscategorized. They are not accounting, tax, legal, investment or financial advice, and they do not create a professional or fiduciary relationship between you and Zeno. Apply your own judgment before relying on them, and before approving a budget or a change.

5. Your responsibility

You are responsible for who in your organization has access and with what role; for the accuracy of what you enter; for the decisions you make with the service, including approving budgets and change requests; and for meeting the legal, contractual and grant obligations that apply to your organization. Your books in QuickBooks remain the authoritative record.

6. Your data

You keep all rights in the data you connect, enter or create in the service ("your data"). You grant us a non-exclusive license to host, copy, transmit, display and process your data only to provide, secure and support the service and to comply with law.

We do not sell your data, use it for advertising, or use it to train AI models, and we do not allow our providers to do so on our behalf. We may use aggregated, de-identified statistics about how the service is used that do not identify you, your organization or any person.

You may export your organization's plans while your account is active. On termination, we delete your data as described in the privacy policy. Deleting your Zeno Budget data changes nothing in QuickBooks.

7. Third-party services

The service connects to services you choose, including Intuit's QuickBooks products, the account you sign in with (Google, Microsoft or Intuit), and the AI assistant you connect. Your use of them is governed by their own terms and privacy policies, and you are responsible for keeping the subscriptions and authorizations they require. We are not responsible for third-party services, their availability, or changes they make that affect the service.

8. Fees

Zeno Budget does not charge for the service today. Before we charge for it, we will publish our prices, tell you by email or in the product at least 30 days in advance, and ask you to agree to the price before any charge is made. Nothing will be charged without your agreement. Your QuickBooks subscription and any AI assistant subscription are separate purchases you pay for directly.

9. Acceptable use

You may not use the service to:

10. Suspension and termination

You may stop using the service and ask us to delete your account at any time. We may suspend or end your access, with notice where practical, if you materially breach these terms, if your use presents a security or legal risk to us or others, or if a third-party service we depend on requires it. Where the risk allows, we will give you a chance to fix the problem first. Sections 5, 6, 9 and 11 through 19 survive termination.

11. Confidentiality

Each party may receive non-public information from the other. Each will use the other's confidential information only to perform under this agreement, protect it with at least reasonable care, and not disclose it except to people and providers bound by similar obligations, or where the law requires it after giving notice if the law allows. Your data is your confidential information. This does not apply to information that is public through no fault of the recipient, was already known without a duty of confidence, or is independently developed.

12. Intellectual property and feedback

We and our licensors own the service, including its software, documentation and interfaces. Zeno and Zeno Budget, and the Zeno Budget logo, are trademarks of Zeno Services, LLC. QuickBooks is a trademark of Intuit Inc. If you send us feedback or suggestions, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them without obligation to you. We will not name you as the source without your permission.

13. Disclaimers

To the fullest extent the law permits, the service is provided "as is" and "as available", and we disclaim all warranties, express, implied or statutory, including merchantability, fitness for a particular purpose, title and non-infringement. We do not warrant that the service will be uninterrupted, secure or error-free, that any figure, forecast or report will be accurate or complete, or that the service will meet any standard, grant requirement or regulation that applies to you. Features offered as early access or preview are provided as is and may change or be withdrawn at any time. Some jurisdictions do not allow these exclusions, so parts of this section may not apply to you.

14. Limitation of liability

To the fullest extent the law permits, neither party is liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, revenue, goodwill or data, or business interruption, arising out of or relating to this agreement or the service, under any theory, even if advised of the possibility.

To the fullest extent the law permits, our total liability arising out of or relating to this agreement or the service will not exceed the greater of (a) the amounts you paid us for the service in the twelve months before the event giving rise to the claim, or (b) one hundred United States dollars (US$100).

These limits do not apply to liability for fraud, willful misconduct, or death or personal injury caused by negligence, or to your obligations under sections 9 and 15. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

15. Indemnification

You will defend and indemnify Zeno and its officers, members, employees and agents against any third-party claim, and resulting losses, costs and reasonable legal fees, arising out of your data, your use of the service in breach of these terms or the law, or your representation that you were authorized to connect your organization's QuickBooks company. We will tell you of the claim, let you control its defense, require our consent to any settlement that admits fault or imposes obligations on us, and cooperate at your expense.

16. Changes to the service and to these terms

We may update these terms. For material changes we will give at least 30 days' notice by email or in the product and update the effective date above. Continuing to use the service after a change takes effect is acceptance of it. If you do not accept a material change, stop using the service before it takes effect. If we discontinue a paid plan or materially reduce what it does, we will give at least 30 days' notice and refund the unused part of any term you have paid for.

17. Governing law

This agreement, and any dispute arising out of or relating to it or the service, is governed by the laws of the State of New York, without regard to its conflict of laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

18. Dispute resolution and arbitration

First, talk to us. Before starting a formal proceeding, send a written description of the dispute and the relief you want to [email protected]. Both parties will try in good faith to resolve it within 30 days.

If that fails, any dispute arising out of or relating to this agreement or the service will be resolved by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before one arbitrator, seated in New York, New York, in English. Judgment on the award may be entered in any court of competent jurisdiction.

Disputes are resolved individually. Neither party may bring a claim as a plaintiff or class member in a class, collective, consolidated or representative proceeding. If this paragraph is found unenforceable as to a claim, that claim proceeds in court under the venue clause below, and the rest of this section still applies to all other claims.

Either party may bring an individual claim in small claims court if it qualifies, and either party may seek injunctive relief in court to protect its intellectual property or confidential information. For any dispute not subject to arbitration, the state and federal courts in New York County, New York have exclusive jurisdiction, and both parties consent to them.

Any claim must be brought within one year after it arises, to the extent the law permits a shortened period.

19. General

Entire agreement. These terms and the privacy policy are the entire agreement between us about the service. Assignment. You may not assign this agreement without our written consent, except to a successor to substantially all of your organization's operations on notice to us. We may assign it to an affiliate or a successor. Notices. We may give notice by email to the address on your account or in the product; give us notice at [email protected] and, for legal notices, also by mail to the address above. Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control, including outages or changes at third-party services. Export and sanctions. You represent that you are not located in, or controlled by anyone in, a country or on a list subject to United States embargo or sanctions. Independent parties. Nothing here creates a partnership, agency, employment or fiduciary relationship. Severability and waiver. If a provision is unenforceable, it is changed to the minimum extent needed or removed, and the rest remains in effect. Not enforcing a provision is not a waiver of it. There are no third-party beneficiaries.

20. Contact

Zeno Services, LLC, 1040 E 13th St., Brooklyn, NY 11230, United States. Questions about these terms: [email protected].